Saturday, May 3, 2014

Mobile Home Impediments and Opportunities

A few days after the recent post on American and Mexican housing, the New York Times Magazine ran a lengthy article, which I was alerted to thanks to Brandon Donnelly's blog, profiling America's mobile home industry. Brandon considers the ethical issues raised by the apparently considerable profits to be made in this area of real estate, such that there are now entire courses offered by successful investors in making one's fortune, or at least living, owning and operating mobile home communities.

The article serves as a nice jumping off point from the earlier post, as it deals with what is, in much of the United States, nearly the only type of single-family detached housing that is allowed to be both very small and built on very small lots. Much of the affordability of this housing type, it seems, is attributable not only to the efficiencies of mass production or the frequent separation of the cost of land from the cost of ownership, but the common exemption of areas zoned for mobile homes (setting aside for now the curiosity of why there should even be such zones) from the standard restrictions of single family zoning, including minimum lot sizes, front and side setbacks, parking requirements and even minimum street widths.

Consider, for instance, the zoning code of Bradenton, Florida, which like many Florida cities has a large number of so-called mobile home communities (though in the majority of cases, these homes are never moved after being sited):

City of Bradenton.
In the above chart, admirably simple for an American zoning code, R-1 is single-family, R-2 is two-family, R-3 multifamily, and R-4 "Mobile Home" (UV is a special "urban village" district that covers very little of the city). Note that in the mobile home district, minimum lot sizes are less than half that required in the single-family district, even though both only permit single-family homes! The comparative minimum dwelling sizes are a strikingly divergent 1,500 sq. ft. and 400 sq. ft. The mobile home zone is allowed to be built so densely, in fact, that its maximum permitted units/acre is equivalent to the multifamily zone. Not shown here are the parking tables, which require only one space for mobile homes, yet two for single-family homes, regardless of square footage.

The resulting streetscapes in the mobile home zones are completely different from almost anything else in American suburbia, featuring extremely narrow streets without on-street parking, very modest setbacks and tiny lots either with pocket backyards or none at all (from Bradenton):



Some are so tightly packed that streets can barely accommodate a single car (again from Bradenton):


The separate standards for site-built and mobile homes probably arise from the fact that the latter homes were initially presumed to be transient, and that the sites designated to host them were therefore viewed more as parking lots than as a formal arrangement of streets and building lots. As one study puts it, many of the complex issues surrounding mobile homes "arise, in part, from the mobile home's historical classification as a travel trailer, the vestiges of which persist even though mobile homes have become a more permanent housing solution." Although city planners, such as those in Bradenton, appear to be gradually imposing more conventional siting requirements on mobile homes, this statutory inertia continues to manifest itself in more permissive square footage and lot sizing requirements as well as the separate zoning designation itself.

The existence of dueling single family zones with such disparate requirements produces some striking visual contrasts, as below, where R-4 adjoins R-1:


The relaxed requirements for mobile home zones may help explain their proliferation in Florida, particularly in permissively-zoned unincorporated areas of surrounding counties such as Manatee. The looser regulations serve as a major subsidy on top of manufactured homes' significantly cheaper construction costs. A resultant surge in construction of such neighborhoods in Florida, where trailers have probably always been subject to less zoning ostracism due to the need to accommodate RV-driving and trailer-bearing seasonal visitors, appears to have normalized the type.

It may seem strange to discuss how mobile homes occupy a privileged position in many zoning codes, given that literature on mobile home areas tends to focus on the regulatory impediments to their construction. However, these impediments tend to take the form of limited areas actually zoned for mobile homes, rather than the restrictions within these zones. The money to be made in operating mobile home communities appears to be a form of regulatory arbitrage that takes advantage of the much smaller lots, home sizes and generally cheaper infrastructure permitted within mobile homes zones as compared to those for single-family zones. This permissiveness has not escaped notice of the tiny house proponents, who have sought to use existing RV park designations to accommodate tiny house communities.

Although Bradenton actually bans site-built homes within its mobile home district, a few cities are gradually coming around toward embracing by-right smaller lots for site-built homes in existing suburban neighborhoods. Portland's (Oregon) infill regulations permit lots as little as 2500 square feet in some instances, though not without predictable hysterical reactions. Had such small lots been permitted as of right in a city like Bradenton for site-built homes, it seems plausible that trailer homes would be less common. When small lots are combined with attractive homes on narrow streets, the result doesn't have to be so terrifying after all.

Key West, Florida.

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  46. I am Sarah by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online loan lenders. I had almost lost hope until a friend of mine referred me to a very reliable loan lender called Mr Perch David from USA who lend me loan of $50,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: forafinancialloancompany@gmail.com I am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I dont wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Perch David from USA, i pray that God should give him long life.

    ReplyDelete

  47. I am Sarah by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online loan lenders. I had almost lost hope until a friend of mine referred me to a very reliable loan lender called Mr Perch David from USA who lend me loan of $50,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: forafinancialloancompany@gmail.com I am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I dont wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Perch David from USA, i pray that God should give him long life.

    ReplyDelete
  48. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

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    ReplyDelete
  49. WELCOME TO TOP WORLD LOAN VENTURE!

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    ReplyDelete
  50. We can help reach your goals for 2017 by helping you get the right funding you need. Paul Davis Loan Company has low-rate financing options for your complete financial needs. We offer the best in Auto, RV, Visa Credit Card, Home Equity, Mortgage, Personal, Line-of-Credit loans & more. And you can always count on Paul Davis Loan Company First to provide instant online applications, flexible terms, and the finest in
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  51. الان فى جميع المحافطات احصل على صيانة دورية من توكيل صيانة يونيفرسال لاجهزة الكهربائية باقل الاسعار فقط تواصل مع خدمة عملاء يونيفرسال

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  53. Hello, this is Home bridge financial Service. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way. We offer both commercial loan, business loan, Debt Consolidation, student loan or any kind of loan of your choice at 2% interest rate. If you are Interested get back to us on this Email address homebridgefinance@usa.com With the following information's below:.

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  54. CHONGIE LOANS,

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    ReplyDelete


  55. Hello everyone my name is Luana Rodrigues, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site. They asked me to pay some amount of money at different basis but i never get my loan. This was how i lost the sum of 5000USD . I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Detlev jonas Loan. He told me how he has helped him with loan at several cases without any delay. I was scared and never believe her. She urge me to trust her,this was how i was introduce to him through his email {hmloans2@gmail.com}. She told me She will offer me the loan that i only need to comply with them. I did as She told me and without any delay,i received my loan as She earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Detlev Jonas loan through his email hmloans2@gmail.com . He is a registered reliable loan lender.

    Name Of testifer: Luana Rodrigues
    Email Of Lender: hmloans2@gmail.com
    Lenders Name : Falicity Shaw

    ReplyDelete
  56. Are you in any financial consternation or do you need money to start your own business?
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    ReplyDelete

  57. I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)

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    Best Regards,

    Mr Joan Felch.

    ReplyDelete
  58. Do you need a loan / financial assistance? We can help you secure your
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    ReplyDelete
  59. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

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    Don't delay! email via mail.us { samsulalamcashfirm@gmail.com } or visit us at one of our 200+ locations across the would to see how we can help.

    Thanks for contacting us,

    Warm regards
    Mr.Samsul Alam
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    ReplyDelete


  60. Hello Dear Valuable Loan Seeker's,

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    ReplyDelete
  62. My name is Glenn Baker and i live in USA Florida and i am a happy man today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Glenn Baker referred you to them. scottlarry918@gmail.com


    Glenn Baker

    ReplyDelete
  63. Do You Need a loan…..?
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    ReplyDelete
  64. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us (urgentloan22@gmail.com)

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  66. Attention!!!
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    ReplyDelete


  67. I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)

    Attention!!!

    Do you have a bad credit?
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    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
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    Mr Joan Felch.

    ReplyDelete
  68. Informative article, just what I was looking for.seo services chennai

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  69. Dear Investors/Financial Seekers. We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 2% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world. We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO. Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles. Interested Individual OR Companies should contact us via: Email:{equityfirmloans@gmail.com}

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  70. Hello Sir / Madam,

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    ReplyDelete
  71. i am Marian Williams from USA Illinois i was having a bad credit scores i am my family was stuck in a financial situation and i needed a loan sum of $100,000,00 dollars to pay my bills and start up a new business and unfortunately my daughter was very sick and was rush to the hospital and the doctor told my family that my daughter need to under go a surgery and it will cost us the sum of $60,000,00 dollars and my family was stuck in a financial situation we tried seeking help from various loan company and banks and they all decline as good will have it all i came across Mrs shelter loan company who offered me a loan sum of $190,000,00 dollars and today my daughter surgery was 100% successful please if you must contact any company in references in securing a loan without collateral no credit check with just 2% interest rate please contact Mrs shelter Iweala loan company on her email address (mrshelterloanfirm@hotmail.com) or whatsapp number (+2348135431671) she doesn't no know that i am doing this and i pray God favor her more.

    ReplyDelete
  72. i am Marian Williams from USA Illinois i was having a bad credit scores i am my family was stuck in a financial situation and i needed a loan sum of $100,000,00 dollars to pay my bills and start up a new business and unfortunately my daughter was very sick and was rush to the hospital and the doctor told my family that my daughter need to under go a surgery and it will cost us the sum of $60,000,00 dollars and my family was stuck in a financial situation we tried seeking help from various loan company and banks and they all decline as good will have it all i came across Mrs shelter loan company who offered me a loan sum of $190,000,00 dollars and today my daughter surgery was 100% successful please if you must contact any company in references in securing a loan without collateral no credit check with just 2% interest rate please contact Mrs shelter Iweala loan company on her email address (mrshelterloanfirm@hotmail.com) or whatsapp number (+2348135431671) she doesn't no know that i am doing this and i pray God favor her more.

    ReplyDelete
  73. Good Day: to whom it may concern,

    I am Lori McKissick From Ohio U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who has transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $6,400 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr. Teddy Jones who is the Financial Controller/Operation Manager of TIMRAY FINANCIAL SERVICES So i applied for a loan sum of (120,000.00USD) with low interest rate of 3% only. The loan was approved easily without stress and all the preparations were made concerning the loan transfer and in less than two(2) days the loan was deposited into my Bank Account so i want to advice any one in need of a loan to quickly contact TIMRAY FINANCIAL SERVICES via {Email: timrayfinacials@gmail.com}. He does not know I'm doing this, I pray that God will bless him for the good thing he has done in my life and that of my entire family.

    Direct Contact Email: timrayfinacials@gmail.com

    ReplyDelete
  74. How i got my Desired Loan Amount from a Reliable Loan Company (legitfirm@gmail.com)

    Hello Everyone ready this great testimony of how God have out a smile on my face, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed me and my family's life from grass to grace from being poor to a rich and successful woman who can now boast of a healthy and wealthy life without stress or financial difficulties. i am a business woman from Ohio state USA i was l stranded and i was having no money for business any more because i was facing difficulties in life and i was looking for a loan desperately after so many months trying to get a loan on the internet to refinance my business and i was scammed the sum of $15.930.00 USD from 4 different companies and i became so desperate in getting a loan from a legit loan lender online who will not add to my pains then i decided ti contact a friend who just got a loan online, we discussed the issue and to our conclusion she told me of how she got a loan from a legit company owned by a woman called Petra Hoffmann who is the C.E.O of White Horse Credit, so i decided to applied for a small loan amount of $20,000.00 for start with a low interest rate of 3% and the loan was approved easily without no stress and all the preparation where made and the loan where transferred to my account in not less than 48 Hours the loan was deposited into my bank and and after the loan repayment i applied again for another loan amount of $450,000.00 for my investment the reason why i am shearing this testimony is for this who are in need of money and want to borrow from a real lender if you have been scammed enough is enough this is the time to rejoice, you can contact her on her email, so i want to advice any one in need of a loan to quickly contact her via (legitfirm@gmail.com)or call +1-972-914-5244, she does not know am doing this i pray that God will bless her for the good thing she has done in my life and the life of my family.

    ReplyDelete
  75. Are you in any financial problem? Do you need quick loans to clear your debit and get back to business. Please do provide us with the following below via Email:dereknels
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    Thanks

    ReplyDelete
  76. HERE IS MY SUCCESS STORY: on how i got my loan from bnunoloans@yahoo.com

    I was in a critical search of a genuine loan lending company were i can obtain a loan of $50,000.000 some lender’s that came to me sheep clothing i never knew they where frauds until i was given the terms of their loan and i agreed eventually i was scammed they scammed me of my hard earn money up to four lender’s that scammed me the sum of $10,000.00 and i though that all is over that there can never be any other genuine lender until my Husband’s Friend Barbara Blue ford the general manager of bill and bill loan company told me that there is a genuine lender that he obtained a loan of $70,000.000 At 3% interest rate From that makes him own a private business and a house of his own he Referred me to a Loan company Investment, E-mail: ( bnunoloans@yahoo.com ) Where he obtained the loan of ($70,000.000 ) i told them how referred me to them i applied for a loan of $50,000.000 after my application and i sent to them the useful information for them to process my loan after 12 hours i received a notification From their company that my loan has been approved and processed in the next 12 hours my loan of $50,000.000 was transferred into my account. And i promise them for coming to my rescue i am going to spreed the good news to the entire world ABOUT REV. BILL LOAN COMPANY IS THE BEST IN THE WORLD. email: bnunoloans@yahoo.com
    They offer all kind of categories of loan they
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    ReplyDelete
  77. Welcome to HENRY LOANS COMPANY
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    Henry loans Company Provide offer loan
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    When it comes to financial crisis and loan then Henry loan financial is the place to go, Good Luck.......................

    ReplyDelete
  78. Greetings to you by ADIA.

    We are a France-Paris based investment company known as Avit
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    Mrs Rose Williams
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    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  79. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs. Sharon Coolidge Lynn referred you to them. georgeloansfirm22@hotmail.com

    ReplyDelete
  80. How i got my Desired Loan Amount from a Reliable Loan Company (kelvinsmithfunds@hotmail.com)

    Hello everyone, My name is Sharon Andrew, I am from the Alabama, United State, am here to testify of how i got my loan from Mr Kelvin Smith funds{ (kelvinsmithfunds@hotmail.com) } after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr kelvin smith funds, who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Kelvin smith, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr kelvin smith funds, his caring and understanding. don't know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Mr kelvin smith funds his email address is ( kelvinsmithfunds@hotmail.com)

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  81. Am so happy and thankful to God for what he has done in my life,i am Sharon from U.S.A after four years of seeking for loan online the internet scammers has succeeded in taking from me the sum of $10,000.00 without given me my loan, I lost every thing i have because of scam and ever since i was scared to make contact online concerning loan. One day, as i was browsing , i saw a comment by a woman name Kathrine Roland from U.S.A thanking the Jackson Walton Loan Company for lending a loan saying that if there is any one who also need loan are to contact the company and they will surly lend any body loan so i took there email and i contacted them we had every agreement to pay back the loan and i submitted my bank account to them and they told i will receive my loan in 24 hours and to my greatest shock, exactly 24 hours, my bank send me an alert of confirmation that the Jackson Walton Loan Company has transfer my loan amount of $70,000.00 dollars to my account am so happy and i want to use this medium to advice every one who is in need of loan or you have been scam in the past worry no more contact the very right company who can lend out loan on (Jacksonwaltonloancompany@gmail.com). and please beware of internet scams most of this email of lenders you see online are all scams so contact the Jackson Walton Loan Company because they are capable of given you your loan thanks.

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  82. Do you need a quick and cheap loan. as low as 3 percent interest rate? then email us now at prosperquickloans@gmail.com

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  83. FOR YOUR REQUIRED QUICK AFFORDABLE LOAN, EMAIL dawsonlewisloancompany@yahoo.com




    I'm Angel Bottoms resident at 2270 Paul Wayne Haggerty Road, New Orleans, LA 70114, USA. I want to share this great testimony on how I got my loan from DAWSON LEWIS INC...my family were driven out of our home because I couldn't pay my bills anymore. After been scammed by various companies online and denied a loan by my bank as well as credit unions I visited. My kids were taken by the foster care; I was all alone in the street. Until a day I shamefully walked into an old school mate who introduced me to this God fearing loan company (DAWSON LEWIS LOAN COMPANY). At first I told him that I am not ready to take any risk of requesting a loan online anymore, but he assured me that I will receive my loan from them. On a second thought, due to my homelessness I took a trial and applied for the loan, I'd filled the loan application form and proceeded with all that was requested of me, luckily as God would have it, I was granted a loan of $175,000.00 which I applied from this company and I’m glad I took the risk and applied for the loan. My kids have been given back to me and now I own a home and a business of my own. All gratitude goes to DAWSON LEWIS INC a God sent Loan Lender for giving a meaning to my life when I had lost all hope, so I made a vow to myself that I will keep testifying on the internet on how I got my fortunate life changing loan. Therefore without reservation, I strongly recommend DAWSON LEWIS LOAN COMPANY for anyone who needs a loan. You can get in contact with this great company via email at dawsonlewisloancompany@yahoo.com or Call/Text them on +141-0501-6847

    ReplyDelete
  84. We work according to clear, flexible, transparent and easy to understand terms. We offer very low interest rates in relation to the slowdown of economic activity (recession) in most countries in the world. You may have bad credit, Our company now offers affordable interest rate loan, so what do you need funds to boost your business? Or are you in need of money for some personal purposes? Why not contact us now that we offer individuals and legal loans at an interest rate of 3% for a maximum period of 25 years. Interested applicant can contact us via e-mail now: paulsonloaninvestment@gmail.com

    ReplyDelete
  85. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

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  86. Hello everyone, My name is Gina Acampora and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need of a loan $ 100,000 USD to start my life all over, due to my profession as i am a single mum, with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan Company that changed my life and that of my family, a GOD fearing firm, Nora Mildred, she was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD and i will advise any one who is in genuine need of a loan to contact Mrs Nora Mildred via email at. noramildred.loan@hotmail.com because he is the most understanding and kind hearted Loans Services

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  87. Good-Day:

    Are you seriously in need of an urgent finance to consolidate your debt /bills? Are you in need of a Loan to Finance or Expand your Farm Business, Project and building Estate? or for car purchase, buying a house and other personal Loans (Individuals, Companies, Realtor and Corporate Bodies) ETC. We give out long term and short term loan with a maximum of 2.% interest rate. and You are 100% Guaranteed with no social security number, no credit check required, we are into business development, finance and open to new opportunities. so kindly contact us via email: eloancompanyonline@gmail.com

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    E-Loan Company.®

    ReplyDelete
  88. Nuestro trabajo de la compañía según términos claros, flexibles, transparentes y fáciles de entender. Ofrecemos tasas de interés muy bajas en relación con la desaceleración de la actividad económica (recesión) en la mayoría de los países del mundo. Usted puede tener mal crédito, Nuestra empresa ahora ofrece préstamo de tasa de interés asequible, así que ¿qué necesita fondos para impulsar su negocio? ¿O está necesitando dinero para algunos propósitos personales? ¿Por qué no contactarnos ahora que ofrecemos préstamos individuales y legales a una tasa de interés del 3% por un período máximo de 25 años. El solicitante interesado puede ponerse en contacto con nosotros vía correo electrónico ahora: paulsonloaninvestment@gmail.com

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  89. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU

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  90. PRINCE RODRIGUEZ LOAN FUNDS

    Good Day, I am Mrs Debra Clarack, from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business, and now i want to used this short medium to congratulate this company Needs PRINCE RODRIGUEZ LOAN FUNDS for the fast and safe money they loan to me without any form of delay, i loan 56,000.00USD from this company to save my business and lots more.first i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account within 24hrs, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them now :{ rodriguezcourservices@gmail.com } I know that they will help you immediately. Contact them with the following informations
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  91. VICTIM OF SCAMS BUT NOW A VICTOR WITH JOSH LOANS FINANCIAL SERVICE joshloancompany@yahoo.com OR +1(215)-874-8060

    Helen Truong is my name from 1731 Hilltop Haven Drive, Red Bank, NJ 07701 USA. It lifts my heart to actually use this medium to save innocent people who would have fallen into the wrong hands in quest to obtain an online loan. With all humility I want to personally warn all online loan seekers to be very careful while trying to get a loan, because it is no news that scammers are rampant everywhere all over the internet claiming to offer loan. I was a victim before now and I solemnly hope that you are a victor if you care to take my word of advise. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. All hope was nearly lost until a co-employee suggested 'JOSH LOANS FINANCIAL SERVICE' an online reliable and trustworthy lender for me, as I was almost at the edge of taking my life considering a loss of about $83,000; As God would have it, I applied for a loan from 'Josh Loans Financial Service' under Cynthia's (co-employee) recommendation and WOW in less than 72 working hours I got a credit alert confirming that my account has been credited with the loan fund of $220,000.00 which i originally requested. If after loosing much God has shown me light with the help of 'JOSH LOANS FINANCIAL SERVICE', you too without doubt can as well obtain a loan from this reputable lending institution. IN ALL, if you, your relation or any closed person desperately need a loan, DO CONTACT or help that soul to communicate with JOSH LOANS FINANCIAL SERVICE via email on joshloancompany@yahoo.com OR text/call them on +1(215)-874-8060; or preferably fill the loan application on their auxiliary webpage on http://www.joshloancompany.bravesites.com/

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  92. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

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    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

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    * Personal Loans
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    *Refinancing Loans
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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

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  93. Good day,

    barnet car Loans firm offers different types of loans ranging from Private Loan, Loan Building, Real Estate Loans, Credit Rehabilitation, Oil & Gas loans, business loans, financial services / consulting and general financial services. Contact barnetcarloanfirm@gmail.com

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    ReplyDelete
  94. My name are Marian Wilson and i live in USA west Virginia and i am a happy woman today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to them.I would like to bring this to the notice of the public about how i meet martins Walters after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children’s fees,I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: martinswalters28@gmail.com
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  95. Do you need a loan to pay off your bills and start a new business? If yes contact Even Financial loan, I got my loan from them contact them now via email: ( viva_loan@cash4u.com )for more information

    ReplyDelete
  96. Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerlloans@gmail.com


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  97. Hello,

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    kindly contact Mrs Nancy Austin via email for your loan: nancyloanhelp@gmail.com


    Ruby Ann
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  98. We give loans to private company,individuals or any one that may need a loan. You can find some vital information about the funds we offer by reply back to us for more info...Contact us via email:
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  99. Hello,

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  100. Are you a business man or woman? Are you in any finance stress or need funds to start up your own business? Do you need loan to settle your debt or pay your bills? Do you have a low credit score and have difficulty obtaining loan from local banks and other financial institutions? I wish to inform you that we offer all kinds of loans at low interest rate of {2%} if interested in obtaining a loan from us. [ Email: jerrymavinr@gmail.com ], {+1}2253672533 contact Us.. God Bless You!!!

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  101. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

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    * Personal Loans
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    *Refinancing Loans
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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

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  102. Apply for Debt Consolidation Loan up to $10,000.000.00,!! Apply Now We will be able to help you no matter what!Take control of your debts – do not let your debts control you!Consolidate your debt once and for all!Get rid of your DEBT load Get rid of the monthly DEBT pressure Get out of your DEBT trap We help those who cannot be helped elsewhere If you have shopped around and been declined then this is the right place to come to If you are under Debt Review WITHOUT a court order you may apply We do NOT do Debt review or Administration Are you having problems with garnishee orders?We help people throughout .DOCUMENTS REQUIRED:- ID BOOK- LATEST 3 MONTHS BANK STATEMENT- LATEST TWO MONTHS PAYSLIPS- BLACKLISTED CLIENTS WELCOME.Respond and we will contact you Or,Contact us today via email at: (firstcashfinancial24services@gmail.com)

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  103. THIS IS NO JOKE...... ARE YOU IN NEED OF A LOAN?
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